AGT-01 Intake & Fundability
How a thin file gets thick.
Three phases. Seven specialists on your file. A score-movement report every 30 days. Independent lenders make every funding decision.
- No payment
- No credit pull
- No obligation
Your buildout fileIN BUILDOUT
File thicknessThin to thick
Phase 1Clean the file
AGT-01Intake & FundabilityReads the whole file
Dispute roundsAll 3 bureaus30-day report
Phase 2Build the profile
AGT-02Entity & ComplianceLLC, EIN, listings
AGT-04Tradelines & OrderingNet-30 vendors that report
AGT-05Documents CenterLender file, organized
AGT-06Payment AssistantOn-time schedule
Phase 3Lender introductions
DIR-00Human DirectorReviews every phase
A real person runs the team and makes the introductions.AGT-03Bureau Monitoring. Watching the business bureaus through every phase.
Illustration of the buildout method. Not a live account.
- 6AI specialists
on your file - 1human Director
running the team - 3bureaus in every
dispute round - 15+reporting net-30
vendors stacked
The whole buildout, step by step.
This is how you build business credit in Michigan when the bank has already said no. Nothing hidden. Nothing skipped.
Screens below illustrate the method. Every file is different.
Phase 1Clean the file
AGT-01 owns this
First, the team reads everything.
Nothing gets built on a file nobody has read. AGT-01 goes through all of it and finds what is blocking approval.
- Whole-file readBefore anything gets built.
- Blockers flaggedThe collections. The mismatches. The gaps.
- Removal strategyWhat to challenge, and in what order.
- Plain wordsYou hear where your file stands.
The cleanup
Then the disputes go out.
This is business credit repair, Detroit style. Round after round until the file is clean enough to build on.
- All 3 bureausEvery round covers all three.
- Unlimited roundsThe team keeps going. There is no cap.
- A report every 30 daysYou see what moved on your score.
- No guessingEach round follows the removal strategy.
Book my free game-plan callFree. No credit pull.
Phase 2Build the profile
AGT-02 owns this
Make the business real on paper.
EIN-based business credit starts with a business lenders can look up. If you do not have one yet, the team sets it up.
- LLC and EINSet up for you if you need them.
- ListingsWhat lenders cross-check, set up right the first time.
- Records and licensesOn file before anyone asks.
- DUNS number nextThe business gets a file of its own.
AGT-04 owns this
Stack what lenders count.
Net-30 vendor accounts only help if the vendor reports. AGT-04 orders the ones that do and stacks them in a smart order.
- Vendors that reportPayments show up on your business file.
- 15 or moreStacked strategically, not all at once.
- DUNS and PayDexThe stack builds both.
- The targetA PayDex of 80 or higher within 4 months. A target, not a promise.
AGT-03 and AGT-06 own this
Watch the file. Pay on time.
A thick file is a file with history. History only counts when every payment lands on time and nothing slips by unseen.
- Always watchingAGT-03 monitors the business credit bureaus.
- Nothing unseenNothing changes on your file without the team knowing.
- On-time scheduleAGT-06 orchestrates payments across every account.
- It compoundsThe profile builds instead of slipping.
AGT-05 owns this
Be ready before they ask.
Lenders ask for paperwork. The file that has it waiting moves faster than the file that has to go find it.
- Business planOrganized and waiting.
- Guarantee documentsPersonal-guarantee docs, in order.
- Authorized-user recordsKept with the rest of the file.
- One placeThe supporting file lenders request.
Book my free game-plan callFree. No credit pull.
Phase 3Lender introductions
DIR-00 owns this
Meet lenders that fit your file.
When the file is thick, your Director goes through it and makes the introductions. ThickAFCredit is not a lender. The lender makes the call.
- Matched to published criteriaIntroductions go to independent lenders whose own criteria fit your rebuilt file.
- In the business nameA business line of credit. A business card. A term loan.
- No-personal-guarantee optionsSome lenders offer them. Where they do, we point you to them.
- The lender decidesEvery decision. Every time.
Book my free game-plan callFree. No credit pull.
One file. Seven specialists.
Each one owns one job. No blended roles. A human Director runs the team, and it never sleeps on your file.
AGT-02 Entity & Compliance
Makes the business real on paper.
AGT-03 Bureau Monitoring
Watches the bureaus. Always.
Your filegets thick here
DIR-00 Human Director
A real person runs the team.
AGT-04 Tradelines & Ordering
Stacks what lenders count.
AGT-05 Documents Center
Ready before they ask.
AGT-06 Payment Assistant
Only ever reports strength.
Who does what.
Three roles. No confusion about which one is ours.
The AI team builds.
Six specialists. One job each. Reading, setup, monitoring, stacking, documents, payments.
Your Director directs.
A real person. Reviews every phase. Makes the judgment calls. Takes your game-plan call.
The lender decides.
Every approval. Every term. Whether a personal guarantee is needed. That part is never ours.
Lender words, in plain English.
Thin file
A credit file with too few accounts on it. A lender cannot judge what it cannot see, so a good score can still get a no.
Tradeline
One account on a credit report. Each one shows who you owe and how you pay.
Net-30 vendor account
A supplier lets the business buy now and pay the invoice within 30 days. Only vendors that report those payments build the file.
DUNS number
A nine-digit ID for your business from Dun & Bradstreet. It gives the business a credit file of its own, separate from yours.
PayDex score
Dun & Bradstreet's score for how a business pays its bills. It runs up to 100. A PayDex of 80 means bills get paid on time. Higher means they get paid early.
Questions about the process.
If yours is not here, bring it to the call. That is what the call is for.
Book my free game-plan callWhat is a thin file?
A credit file with too few accounts for a lender to judge. You can have a good score and still have a thin file. The buildout adds accounts that report, so there is something to read.
What is a PayDex score?
It is Dun & Bradstreet's score for how a business pays its bills. It runs up to 100. A PayDex of 80 means bills get paid on time. The team targets 80 or higher within 4 months. It is a target, not a promise.
What are net-30 vendor accounts?
Accounts where a supplier lets the business pay the invoice within 30 days. Only vendors that report those payments build the file. AGT-04 orders 15 or more that report and stacks them in a smart order.
Who decides if I get approved?
The lender. Every time. ThickAFCredit is not a lender. We build the file and make introductions to independent lenders whose published criteria match it.
How do I know what is happening on my file?
During the cleanup you get a score-movement report every 30 days. AGT-03 watches the business credit bureaus the whole time. A human Director reviews every phase.
Walk back in with a thick file.
It starts with one free call. A real person. A real plan for your file.
A file gets thick with time. The sooner the first vendor reports, the sooner it counts.
- You talk with a human Director
- We reply within 1 business day
- Detroit-built. Open to founders across the US.
Your game-plan call request is in.
Your Director will reply within 1 business day to schedule. No payment. No credit pull. No obligation.
Find my starting point while I waitYour form is open. Close it to see it here again.